In this article, we have discuss the JAIIB Syllabus and Exam Pattern 2025. Candidates can check the module wise syllabus for the upcoming JAIIB exam. The IIBF is going to conduct the exam in May and November 2025. Candidates who are applying for the examination should be familiar with the detailed syllabus and the exam pattern thus candidates are advised to go through the article for details information. In this article, the JAIIB Syllabus 2025 will serve as a guide to keep an eye on their preparation.
The following subjects are covered in the JAIIB exam:
1. Indian Economy & Indian Financial System
2. Principles & Practices of Banking
3. Accounting & Financial Management for Bankers
4. Retail Banking & Wealth Management
JAIIB Syllabus 2025
IIBF conducts the JAIIB Exam 2025 which stands for Junior Associate of Indian Institute of Bankers Exam. Candidates should thoroughly understand the syllabus and exam pattern of JAIIB. This syllabus is an essential guide for those who want to crack the JAIIB Exam 2025, it is an important part of preparation as it covers all the subjects and topics that candidates need for the upcoming exam. There are total 4 subjects for JAIIB and each subject carries 100 marks, also there is no negative marking in exam
JAIIB Syllabus and Exam Pattern 2025
For more details related to the JAIIB Syllabus and Exam Pattern 2025, the candidates can refer to the table mentioned below.
| JAIIB Syllabus 2025 | |
| Organization | Indian Institute of Banking and Finance |
| Exam Name | JAIIB Exam 2025 |
| Selection Process | Online Exam |
| Language of Exam | English |
| JAIIB Exam Date 2025 | May Session: 4th, 10th, 11th, and 18th May 2025
November Session: 2nd, 8th, 9th, and 16th November 2025 |
| Subjects |
|
| Negative Marking | None |
| Mode of Exam | Online |
| Official Website | www.iibf.org.in |
JAIIB Exam Pattern 2025
- The exam is conducted on different dates for each subject.
- Each subject contains 100 multiple-choice questions (MCQs).
- There is no negative marking for incorrect answers.
- The total exam duration is 2 hours per subject.
- The JAIIB Examination is conducted online only.
- Each subject carries a total of 100 marks.
| JAIIB Exam Pattern 2025 | ||||
| Papers | Name of Paper | Questions | Marks | Duration |
| I | Indian Economy & Financial System | 100 | 100 | 2 hours |
| II | Accounting & Financial Management of Banking | 100 | 100 | 2 hours |
| III | Principles & Practices of Banking | 100 | 100 | 2 hours |
| IV | Retail Banking & Wealth Management | 100 | 100 | 2 hours |
JAIIB Exam Syllabus 2025 (Detailed)
As per the revised JAIIB syllabus 2025, there are four papers in the IIBF JAIIB exam. The topics covered in these four papers are Paper 1: Indian Economy and Indian Financial System (IE & IFS), Paper 2: Principles and Practices of Banking (PPB), Paper 3: Accounting and Financial Management for Bankers (AFM), Paper 4: Retail Banking and Wealth Management (RBWM). A detailed list of topics covered in each module for each paper is discuss blow.
JAIIB Syllabus Paper 1: Indian Economy and Indian Financial System (IE & IFS)
The initial module of the updated JAIIB Syllabus 2025 focuses on the Indian Economy and Indian Financial System. Indian Economic Architecture, Economic Concepts Related to Banking, Indian Financial Architecture and Financial Products and Services this are the four modules of JAIIB Paper 1 syllabus. A list of topics covered in each module for Paper 1 is discuss blow.
Module A: Indian Economic Architecture
- An Overview of the Indian Economy
- Sectors of the Indian Economy
- Economic Planning in India & NITI Aayog
- Role of Priority Sector and MSME in the Indian Economy
- Infrastructure including Social Infrastructure
- Globalization- Impact on India
- Economic Reforms
- Foreign Trade Policy
- Foreign Investments and Economic Development
- International Economic Organizations (World Bank, IMF, etc.)
- Climate Change
- Sustainable Development Goals (SDGs)
- Issues Facing the Indian Economy
Module B: Economic Concepts Related to Banking
- Fundamentals of Economics
- Microeconomics and Macroeconomics
- Types of Economies
- Supply and Demand
- Money Supply and Inflation
- Theories of Interest
- Business Cycles
- Monetary Policy and Fiscal Policy
- System of National Accounts and GDP Concepts
- Union Budget.
Module C: Indian Financial Architecture
- Indian Financial System – An Overview
- Indian Banking Structure
- Banking Laws – Reserve Bank of India Act, 1934 & Banking Regulation Act, 1949
- Development Financial Institutions
- Micro Finance Institutions
- Non-Banking Financial Companies (NBFCs)
- Insurance Companies
- Indian Financial System – Regulators and Their Roles
- Reforms & Developments in the Banking Sector.
Module D: Financial Products and Services
- Financial Markets
- Money Markets
- Capital Markets and Stock Exchanges
- Fixed Income Markets – Debt and Bond Markets
- Foreign Exchange Markets
- Interconnectedness of Markets and Market Dynamics
- Merchant Banking Services
- Derivatives Market
- Factoring, Forfaiting, and Trade Receivables Discounting System (TReDS)
- Venture Capital
- Lease Finance and Hire Purchase
- Credit Rating and Credit Scoring
- Mutual Funds
- Insurance Products
- Pension Products
- Para Banking and Financial Services Provided by Banks
- Real Estate Investment Trusts (REITs) and Infrastructure Investment Trusts (InvITs).
JAIIB Syllabus Paper 2: Principles and Practices of Banking (PPB)
The second paper in the JAIIB Syllabus is titled “Principles and Practices of Banking.” General Banking Operations, Functions of Banks, Banking Technology, and Ethics in Banks and Financial Institutions are dour modules that makes up Principles and Practices of Banking(PPB). A list of topics covered in each module for Paper 2 is discuss blow.
Module A: General Banking Operations
- Banker-Customer Relationship
- AML-KYC Guidelines
- Operational Aspects of KYC
- Opening Accounts of Various Types of Customers
- Operational Aspects of Deposit Accounts
- Operational Aspects of Handling Clearing/Collection/Cash
- Banker’s Special Relationship
- Foreign Exchange Remittance Facilities for Individuals
- Operational Aspects of NRI Business
- Foreign Currency Accounts for Residents and Other Aspects
- Cash Management Services and its Importance
- Payment and Collection of Cheques and Other Negotiable Instruments
- Responsibility of Paying Bank
- Responsibility for Collecting Bank
- Ancillary Services
- Financial Inclusion & Financial Literacy
- Customer Service Guidelines
- Duties & Rights of a Banker and Customer Rights
- Grievance Redressal & RBI Integrated Ombudsman Scheme 2021
- The Consumer Protection Act, 2019: Preamble, Extent, and Definitions
- The Right to Information Act, 2005.
Module B: Functions of Banks
- Principles of Lending
- Different Types of Borrowers and Types of Credit Facilities
- Appraisal and Assessment of Credit Facilities
- Operational Aspects of Loan Accounts
- Types of Collaterals and Their Characteristics
- Different Modes of Charging Securities
- Documentation
- Non-Performing Assets/ Stressed Assets
- Important Laws Relating to Recovery of Dues
- Contracts of Indemnity, Contracts of Guarantee & Bank Guarantee
- Letters of Credit
- Deferred Payment Guarantee
- Laws Relating to Bill Finance
- Personal Finance
- Priority Sector Advances
- Agricultural Finance
- Finance to MFIs/Co-Lending Arrangements with NBFCs
- Micro, Small, and Medium Enterprises in India
- Government Sponsored Schemes
- Self-Help Groups.
Module C: Banking Technology
- Essentials of Bank Computerisation
- Operational Aspects of the CBS Environment
- Alternate Delivery Channels – Digital Banking
- Data Communication Network and EFT Systems
- Digital Payment Systems – NPCI
- Impact of Technology Adoption and Trends in Banking Technology
- Security Considerations and Mitigation Measures in Banks
- Operational Aspects of Cyber Crimes/Fraud Risk Management in Cyber Tech
- Technology Trends in Banking
- e-RUPI
- Fintech – RegTech, SupTech, Hashtag Banking.
Module D: Ethics in Banks and Financial Institutions
- Ethics, Business Ethics & Banking: An Integrated Perspective
- Ethics at the Individual Level
- Ethical Dimensions: Employees, Work Ethics, and the Workplace
- Banking Ethics: Changing Dynamics.
JAIIB Syllabus Paper 3: Accounting and Financial Management for Bankers (AFM)
The JAIIB syllabus has 3 papers, and the third paper is titled as “Accounting and Financial Management for Bankers” (AFM). Accounting Principles and Procedures, Financial Statements and Key Banking Systems, Financial Management and Fundamentals of Taxation and Expenditure are the 4 modules in which the paper in divided. Below, candidates will find the topics covered in each module for AFM.
- Module A: Accounting Principles and Processes
- Definition, Scope & Accounting Standards including Ind AS
- Basic Accountancy Procedures
- Maintenance of Cash/Subsidiary Books and Ledger
- Bank Reconciliation Statement
- Trial Balance
- Rectification of Errors and Adjusting & Closing Entries
- Depreciation and its Accounting
- Capital and Revenue Expenditure
- Bills of Exchange
- Operational Aspects of Accounting Entries
- Back Office Functions/Handling Unreconciled Entries in Banks
- Bank Audit & Inspection
- Module B: Financial Statements and Core Banking Systems
- Balance Sheet Equation
- Preparation of Final Accounts
- Company Accounts-I
- Company Accounts-II
- Cash Flow and Funds Flow
- Final Accounts of Banking Companies
- Core Banking Systems and Accounting in a Computerised Environment
- Module C: Financial Management
- Financial Management – An Overview
- Ratio Analysis
- Financial Mathematics Calculation of Interest and Annuities
- Financial Mathematics Calculation of YTM
- Financial Mathematics – Forex Arithmetic
- Capital Structure and Cost of Capital
- Capital Investment Decisions/Term Loans
- Equipment Leasing/Lease Financing
- Working Capital Management
- Derivatives
- Module D: Taxation and Fundamentals of Costing
- Taxation: Income Tax/TDS/Deferred Tax
- Goods & Services Tax
- An Overview of Cost & Management Accounting
- Costing Methods
- Standard Costing
- Marginal Costing
- Budgets and Budgetary Control
- Bibliography.
- JAIIB Syllabus Paper 4: Retail Banking and Wealth Management (RBWM)
Module A: Introduction to Retail Banking
- Banking: Introduction
- Retail Banking: Role within the Bank Operations
- Applicability of Retail Banking Concepts
- The distinction between Retail and Corporate/Wholesale Banking
- Branch Profitability.
Module B: Retail Products and Recovery
- Customer Requirements
- Product Development Process
- Credit Scoring
- Credit and Debit Cards
- Important Retail Liability Products
- Important Retail Asset Products
- Remittance Products
- Recovery of Retail Loans
- Digitization of Retail Banking Products
- Role of AI and Technology in Retail Banking
- Management Information Systems
- Securitization.
Module C: Support Services- Marketing of Banking Services/Products
- Marketing: An Introduction
- Delivery Models
- Delivery Channels in Retail Banking
- Service Standards for Retail Banking
- Customer Relationship Management in Retail Banking
- Marketing Information Systems – A Longitudinal Analysis.
Module D: Wealth Management
- Investment Management
- Importance of Wealth Management
- Tax Planning
- Other Financial Services Provided by Banks.
JAIIB Syllabus 2025 PDF
Candidates can download the JAIIB Syllabus PDF by clicking on the link below. You can download it, take a printout of it and keep it with your study materials.
JAIIB Syllabus 2025 PDF Download
Tips to Prepare for the IIBF JAIIB Exam
Successfully passing the JAIIB exam is often essential for career advancement and is considered a mark of proficiency in banking operations. To increase their chances of success, prospective candidates are advised to use the study guides offered by IIBF, focus on their exam preparation, and participate in preparation classes.
Here are some helpful tips that candidates can follow to crack the JAIIB exam and open up new avenues in their career growth.
- The first and foremost important suggestion is to go through the JAIIB Syllabus and Exam Pattern. This holds to key to pass any exam. There are 4 papers in IIBF JAIIB and candidates must have a hold over these topics to get through the examination.
- Refer to reliable study materials provided by the IIBF, including textbooks, practice workbooks, and online resources. Avoid relying on unauthorized or outdated sources.
- Understand the underlying concepts and principles behind each topic instead of memorizing information. This will help you apply your knowledge effectively during the exam.
- Now, that we have made you acquainted with what the JAIIB exam is all about then you can recognize your weaknesses and strengths by taking Mock Tests. This will help your mind adjust itself to the level of the questions asked in the exam.
- Work on your weak areas wherever you feel underconfident.
- Focus on revising key concepts, formulas, and important facts closer to the exam date.
